Resources
Risk Methodology
How a BNPL platform launched on BNPL.BD should approach underwriting in a thin-file market.
BNPL underwriting in Bangladesh requires combining traditional and alternative signals.
Signal stack
MFS wallet history, mobile network operator data, device and behavioral telemetry, basket context, bureau data where available.
Limit ladder
Start small (Tk 5,000–15,000), expand on proven repayment behavior.
Loss management
Friendly reminders, fair grace periods, structured collections only as a last resort.